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2020 QBE Insurance and Unity Bank Home Loan Promotion T&C

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Terms and Conditions

  1. Promotion:  The Promotion is the “2020 QBE Insurance and Unity Bank Home Loan Promotion”. Information on how to participate in the Promotion forms part of these terms and conditions of eligibility. T20/1232

    The Promotion commences at 9:00am AEST on 19/10/2020 and entries close at 6:59pm AEST on 18/12/2020 (“Promotional Period”).  

  2. Promoter:  The Promoter is Unity Bank Limited, Level 7 215 Clarence St Sydney NSW. Phone: 1300 36 2000. Reliance Bank and Bankstown City Unity Bank (BCUB) are divisions of Unity Bank Limited (ABN 11 087 650 315 AFSL/Australian Credit Licence 240399). Who acts under its own AFSL and on behalf of QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFS Licence 239545) when distributing QBE Membercare Home Cover, QBE Membercare Home Cover Prestige and QBE Membercare Landlords insurance. QBE is the insurance product issuer. Please read the relevant product disclosure statement before purchasing the insurance available to decide if the product is right for you.  

  3. Eligible Entrant: This Promotion is only open to Eligible Entrants.  An Eligible Entrant is an individual who is:

    - aged 18 years or older at the time of entry
    - not a resident of the Northern Territory or ACT
    - not a person conducting the promotion including any person who determines who is to win a prize in the promotion (e.g. directors or employees of the Bank); and
    - not a person involved in the management of any benefitting organisation (e.g. QBE).

  4. Giveaway: Each Eligible Entrant who purchases a new QBE Eligible Policy during the Promotional Period will receive a $200 Visa EFTPOS Gift Card.

    The $200 Visa EFTPOS Gift Cards will be mailed to the Eligible Entrant’s nominated postal address within four weeks from receipt of the first premium instalment. 

    Gift cards are not transferable, exchangeable, or redeemable for cash.

    Any element of any gift card that is unused or the winner is unable to accept for any reason will be forfeited and no compensation will be paid in lieu of that element, whether a part or the whole, of the voucher.

    The Promoter accepts no responsibility for any lost or misdirected mail.

  5. Prize Draw Entry: To go into the Prize Draw, an Eligible Entrant must: 

    - submit a home loan application to Unity Bank, Reliance Bank or Bankstown City Unity Bank during the Promotional Period (minimum loan $30,000; minimum term one (1) year)
    - have the loan settled and funded by 4:30pm AEST on 17/01/2021; and 
    - purchase a new QBE Eligible Policy during the Promotional Period. 

    One entry per Home Loan account.

  6. Prize Draw: Three Winners will be drawn via a barrel draw at Unity Bank Head Office, 217 Clarence St Sydney NSW on the 18/01/2021 at 3:00pm AEST.

    The Winners will be notified by telephone, email or mail within 7 days following the draw.

    The names of the winners either will be published on our Internet pages and Facebook Pages and if the winner is from SA both names and addresses upon consent will be published in a SA newspaper by the 25 January 2021.

    Only three (3) Prizes will be awarded. No bonus prizes will be awarded.

  7. Prizes: Each Winner will receive a credit or reimbursement of the Winner’s annual QBE Eligible Policy premium, up to a value of $3,000 per winning entry.  

    There is no limit on the number of Prizes an Eligible Entrant may win.

    The winner acknowledges that the QBE Eligible Policy will remain in force for the full Term of Cover to be eligible for the Prize. Any payments required due to alterations made to the Home policy, after Prize has been accepted will be the responsibility of the insured. Cancellations of the Home policy outside of property sale are not permissible until policy expiry date.

  8. Collection: A Winner collects their prize by presenting their QBE Eligible Policy Schedule for the 2020/2021 year to the Promoter and nominating an account for payment. The Promoter will credit/reimburse the Winner’s nominated account (within 10 days).

    If the Prize is not claimed by 18/4/2021 at 9:00am AEST, it will be forfeited and the Promoter may conduct a further draw on 18/4/2021 at 3:00pm AEST at the same place as the original draw subject to any written direction given by any relevant authority.

  9. QBE Eligible Policy: QBE Eligible Policies are:

    - Membercare Home Cover (Building or Building and Contents)
    - Membercare Home Cover Prestige (Building or Building and Contents); or 
    - Membercare Landlords Insurance Building

    New policies must be purchased through Unity Bank, Reliance Bank or Bankstown City Unity Bank.

    The purchase of a new QBE Eligible Policy is deemed to occur when the Member agrees to become bound by the terms of the policy, the Member pays for the policy, and the policy remains active after a 21 day cooling-off period.

    An agreement by a policyholder to enter a periodic instalment plan for a QBE Eligible Policy is deemed to be payment of that product.


  1. The determination of valid participation is at the sole and exclusive discretion of the Promoter.
  2. Any dispute regarding the Promotion is to be determined by the Promoter at its sole and exclusive discretion.
  3. The Promoter collects Members’ personal information to conduct the Promotion and provide its services. It is a condition of this offer that this information is provided. By entering the Promotion, the Member agrees that the Promoter may use this information in any media for future promotional, marketing or publicity purposes without any further reference, payment, or other compensation to the Member. For more information about how the Promoter may use Members’ personal information, please refer to the Promoter’s Privacy Policy, which is
  4. The Promoter reserves the right to cancel the Promotion if it is of the opinion that the Promotion has been interfered with or is not capable of being conducted due to any reason outside of the Promoter’s reasonable control and will not be liable for any loss or damage whatsoever which is suffered or sustained as a result.